Buying Your First Home

Buying your first home is exciting, but it can be confusing. There are lots of things to consider, including loan types, down payments, escrow lengths, and more. We’ve been working with first-time buyers for over 30 years, and understand their needs. We have a wide range of loan products to fit your unique situation, and with our friendly, experienced mortgage experts, you’ll get the advice you need to make an educated decision. We’re always happy to answer questions, but here are the basic steps and a few tips to buying your first home. When you’re ready, give us call at 800-974-4434.

How Purchase Loans Are Made
  1. Get pre-approved for a mortgage before starting your house search and know in advance how much house you can afford. Completing this step will strengthen your bargaining position with sellers.
  2. Start your search for the perfect home. Select a reputable real estate agent who knows the market and will listen to your needs. Download our Home Tour Form to help you remember the features of each house you look at during your search.
  3. Applying for a mortgage. When the offer is accepted, it’s time to choose your lender and finalize your mortgage approval.
  4. Closing on your home. At close, the ownership of the property is transferred to you.
  5. Congratulations, go celebrate! You’re the proud owner of a new sweet home.

Getting prequalified is the initial step in the mortgage process, and it’s generally fairly simple. We will help you take the first step toward your home financing goal with a pre-qualification consultation. Call us today or simply prequalify online. Our free Mortgage Pre-Qualification Form is also available to download.

Why should you work with MCA?

Mortgage Capital Associates has been in the mortgage loan business since 1982 serving customers in 31 states and our mission has been to fulfill the home buyer’s dreams of ownership.

MCA has over 25 years of customer satisfaction and our integrity is reflected in our “A” rating with the Better Business Bureau.

Need expert advice on a new loan?

  • Call us at 800-974-4434 and speak with one of our experienced Mortgage Loan Consultants.
  • Engage in a Live Chat with one of our mortgage bankers online.
  • Complete our Free Quote form if you already know what you want.
  • Complete our Online Loan Application and receive quick pre-approval!

Inquiry Form

Fill out this short form and a mortgage consultant will get in touch with you to answer your questions.